John Stovall, Ecobrokers John Beldock, Association of Energy & Environmental Real Estate Professionals "Green Financing from the Real Estate Broker Point of View. What Will Activate the Consumer?"

1. Green Financing from the Real
Estate Broker Point of View
John Stovall- Ecobroker
John Beldock – Association of Energy Environmental Real Estate Professionals

2. Green Financing from the
Real Estate Broker
Point of View.
What will activate the consumer?

3. Easiest & Most Effective?
 Which energy retrofit financing
solutions are going to be the
easiest and most effective for
Colorado consumers?

4. Easiest & Most Effective?
 Rate Brain

5. Easiest & Most Effective?
 Rate Brain
 Cost Brain

6. Easiest & Most Effective?
 Rate Brain
 Cost Brain
 Qualifying Income Brain

7. Portfolio for Widest Range?
 Which portfolio of financing
solutions can work for the widest
range of Colorado consumers?

8. Portfolio for Widest Range?
 Yes

9. Portfolio for Widest Range?
 Yes
 Contractor financing

10. Portfolio for Widest Range?
 Yes
 Contractor financing
 Unsecured and/or
secured solutions
◦ Mortgage department?
◦ Consumer lending department?

11. Portfolio for Widest Range?
 The Credit Elephant?
 FHA's absence of a minimum credit
score,
◦ but with definitive criteria regarding
borrower qualifications;
◦ pride of ownership, willingness to pay,
◦ basic product design counts.

12. Portfolio for Widest Range?
 It's going to take more work on
everybody's part to write better loans.
 Pioneers put their stuff in covered
wagons and pulled them a long
way. It was hard work.

13. successful for Colorado
homeowners and homebuyers?
 What's the market telling us about
which financing and marketing
calculus are most likely to be
successful for Colorado
homeowners and homebuyers?

14. successful for Colorado
homeowners and homebuyers?
 Easiest
products will
succeed

15. successful for Colorado
homeowners and homebuyers?
 Easiest products will succeed
 Streamlined

16. successful for Colorado
homeowners and homebuyers?
 Easiest products will succeed
 Streamlined
 Volume

17. successful for Colorado
homeowners and homebuyers?
 Use existing products (FHA, etc.) with
subtle, sensitive, and effective modest
adjustments
 Communicate through trusted change
agents

18. successful for Colorado
homeowners and homebuyers?
 Count on lower foreclosures
 Enhanced community reputation for
lenders
 Some very happy and more
comfortable Colorado customers.

19. Green Financing from the Real
Estate Broker Point of View.
Thank You!